Is DSBX or SPHD a better dividend investment in 2026?

DSBX currently yields 8.24% with a 5% 5-year dividend growth rate. SPHD yields 4.00% with 5% growth. The better choice depends on your goal: DSBX offers higher current income.

What is the dividend yield difference between DSBX and SPHD?

DSBX has a forward dividend yield of 8.24% ($2.00/share annually). SPHD yields 4.00% ($2.00/share annually). The yield gap is 4.24 percentage points.

Home › Compare › DSBX vs SPHD

DSBX vs SPHD: Dividend Comparison 2026

DSBX yields 8.24% · SPHD yields 4.00%● Live data

vsPost on X →

After 10 years · $10,000 invested · DRIP enabled

🏆 DSBX wins by $6.5K in total portfolio value

INVESTMENT

TIME HORIZON10 years

DSBX

● Live price

8.24%

Share price

$24.26

Annual div

$2.00

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$34.5K

Annual income

$1,388.43

Full DSBX calculator →

SPHD

● Live price

4.00%

Share price

$50.00

Annual div

$2.00

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$28.0K

Annual income

$899.19

Full SPHD calculator →

Portfolio growth — DSBX vs SPHD

📍 DSBX pulled ahead of the other in Year 1

Annual dividend income

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Recession Test — Did They Cut Dividends?

How each stock treated shareholders during the 3 biggest crises of the last 20 years

Crisis Period	DSBX	SPHD
2008–2009 GFC	— No data	— No data
2020 Q1–Q2 COVID	— No data	— No data
2022 Q4 Rate Hike	— No data	— No data

Based on dividend payment history. "Increased" = dividend grew during crisis. "Maintained" = held within 3%. "Cut" = reduced by more than 3%.

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Dividend Calendar Overlap

Combined, DSBX + SPHD cover 0 of 12 months — good coverage

Jan

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Feb

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Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

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Sep

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Oct

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Nov

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Dec

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DSBX pays

SPHD pays

Both pay

Neither

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Tax Bracket Optimizer

Which stock is actually better after tax? Adjust your rate to find out.

DSBX

Annual income on $10K today (after 15% tax)

$700.74/yr

After 10yr DRIP, annual income (after tax)

$1,180.17/yr

SPHD

Annual income on $10K today (after 15% tax)

$340.00/yr

After 10yr DRIP, annual income (after tax)

$764.31/yr

At 15% tax rate, DSBX beats the other by $415.85/year in after-tax income after 10 years on $10,000

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Lazy Portfolio Split Optimizer

What's the optimal mix of DSBX + SPHD for your $10,000?

DSBX: 50%SPHD: 50%

100% SPHD50/50100% DSBX

Portfolio after 10yr

$31.3K

Annual income

$1,143.81/yr

Blended yield

3.66%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

DSBX buys

SPHD buys

No recent congressional trades found for DSBX or SPHD in the last 90 days.

STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →

MetricDSBXSPHD

Forward yield	8.24% ✓	4.00%
Annual dividend / share	$2.00	$2.00
Payout ratio	50%	50%
1-year div growth	0%	5% ✓
5-year div CAGR	0%	5% ✓
Portfolio after 10y	$34.5K ✓	$28.0K
Annual income after 10y	$1,388.43 ✓	$899.19
Total dividends collected	$11.1K ✓	$6.4K
Payment frequency	quarterly	quarterly
Sector	Stock	ETF

Year-by-year: DSBX vs SPHD ($10,000, DRIP)

Year	DSBX Portfolio	DSBX Income/yr	SPHD Portfolio	SPHD Income/yr	Gap
1← crossover	$11,524	$824.40	$11,120	$420.00	+$404.00 → DSBX
2	$13,219	$887.92	$12,357	$458.31	+$862.00 → DSBX
3	$15,096	$951.86	$13,721	$499.76	+$1.4K → DSBX
4	$17,169	$1,015.91	$15,227	$544.58	+$1.9K → DSBX
5	$19,450	$1,079.81	$16,885	$593.02	+$2.6K → DSBX
6	$21,955	$1,143.28	$18,713	$645.34	+$3.2K → DSBX
7	$24,698	$1,206.08	$20,724	$701.81	+$4.0K → DSBX
8	$27,695	$1,268.00	$22,938	$762.73	+$4.8K → DSBX
9	$30,963	$1,328.84	$25,372	$828.41	+$5.6K → DSBX
10	$34,518	$1,388.43	$28,047	$899.19	+$6.5K → DSBX

DSBX vs SPHD: Complete Analysis 2026

DSBX — Stock

Dogwood State Bank provides banking products and services for businesses, business owners, professionals, and their employees in North Carolina. It offers personal and business checking accounts; savings accounts; money market accounts; individual retirement accounts; and certificates of deposit. The company also provides business financing services, including business lines of credit and business term loans; personal lines of credit; overdraft protection services; credit cards; home equity lines; personal loans comprising automobile and truck loans, boat and RV loans, and boat slip financing services; and real estate loans, such as home construction loans, home improvement loans, investment rental homes, residential lot loans, residential second mortgage loans, and home equity lines. In addition, it offers lending services to small businesses; and treasury management services. The company provides its products and services through its digital offerings and branch offices in Charlotte, Greenville, Morehead City, Raleigh, Sanford, and Wilmington. The company was formerly known as Sound Bank and changed its name to Dogwood State Bank in September 2019. Dogwood State Bank was founded in 2001 and is headquartered in Raleigh, North Carolina.

Full DSBX Calculator →

SPHD — ETF

SPHD is a dividend-paying stock. Use this calculator to estimate your future dividend income, DRIP compounding returns, and passive income potential from investing in SPHD shares.

Full SPHD Calculator →

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⚠️ Educational purposes only. Not financial advice. Congressional trades sourced from SEC STOCK Act filings via FMP. Past performance does not guarantee future results.